我国保险资金管理的独立第三方托管初探  

作　　者：韦生琼[1] 陈晓艳[1] 娄珂[1] 

机构地区：[1]西南财经大学保险学院,四川成都610074

出　　处：《保险研究》2007年第2期79-81,共3页Insurance Studies

摘　　要：目前,已有不少保险公司与银行达成协议,由银行对其保险资金进行托管。我国保险业已经具备一定规模;保险资金运用政策日益放宽,资金管理难度加大;保险资金出现外部"存管"危机;实施第三方托管是改革保险资金管理体制的需要。引入第三方托管有助于保险资金运用风险的防范,提高保险资金的投资收益和使用效率,增加托管银行收益,促进银保深层次合作;有助于中小型保险公司的发展;有助于保险、金融及资本市场实现共同的健康、稳定的发展。借鉴美国保险市场第三方资产管理经验,我国保险业应加快推进,自愿实施,拓宽托管主体,出台配套制度,以更好地实施保险市场第三方资产管理。At present, many insurance companies have come to agreements with banks with the latter acting as custodians of their insurance funds. The insurance industry of China has expanded rapidly in recent years. With constant deregulation of the policy on its investment, the task of asset management is becoming more di^cult, and crisis of external ＂management＂ of the insurance funds has become a realistic risk. In this situation, selecting a third party custodian for insurance funds is highly necessary for the reform of the insurance fund management system. This will be conducive to the prevention of investment risks, improve the investment efficiency and increase investment yield, increase income of custodian banks and enhance a deeper-level cooperation between banks and insurers. It will also be beneficial for the development of small and mediumsized insurance companies and reinforce healthy and consistent development of the insurance industry, the financial industry and the capital market. Borrowing from the experiences of the third-party asset management in the American insurance market, the insurance industry in China should speed up the introduction of this system on a voluntary basis. It should also stage corresponding policies, expand scope of eligible custodian banks in order to better implement the third party management of insurance assets.

关 键 词：保险市场 保险资金 第三方托管 

分 类 号：F840.42[经济管理—保险]